4891 Lake Ridge Rd, Chipley, FL 32428 Property Records

Washington County property record for 4891 Lake Ridge Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 2006
Lot Size	5.03 acres (219,150 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jun 2021)
Tax Bill	$1,757 (2023)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`000031230115`

Property Details

APN / Parcel Number

Primary APN	`000031230115`
Alternative APN	`31230115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,630 sqft Heated Area
Gross Area	2,266 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	219,150 sqft (5.03 acres)
Porch	Open Porch
Porch Area	636 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000031230115
Street Address	4891 LAKE RIDGE RD
City	CHIPLEY
State	FL
Zip	32428-3680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21 1 14 LOT 15 LONG LAKE ESTATES 5.03AC, ORB 1210 P 827
Legal Range	14W
Legal Township	01N
Legal Section	21
Legal Subdivision	LONG LAKE
Legal Block	3123
Legal Lot Number	15
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1322
Census Tract	970301

Owner

Source: Washington County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4891 LAKE RIDGE RD, CHIPLEY, FL 32428-3680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Jul 30, 2012 · Amount on Record
Deed Document Number	202167004691
Deed Book / Page	1210 / 827
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 24, 2021
Property Address	4891 LAKE RIDGE RD, CHIPLEY, FL 32428-3680
Document Number	0067004691
Book / Page	1210 / 827
Map Reference	MB 4 PG 4-9
Instrument Date	Jun 23, 2021
Instrument	202167004691
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4891 LAKE RIDGE RD, CHIPLEY, FL 32428-3680

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4891 LAKE RIDGE RD, CHIPLEY, FL 32428-3680

Mortgage

Document Number	0000000829
Date	Jun 24, 2021
Instrument	1210/829

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Washington County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$186,270 (+6.83%)	$242,255 (+32.32%) Land $40,000 Building $202,255
2023	$1,757.00 (+3.23%) Homeowner's exemption	$174,364 (+3%)	$183,087 (+8.15%) Land $21,000 Building $162,087
2022	$1,702.00 Homeowner's exemption	$169,285 Land $21,000 Building $148,285	$169,285 Land $21,000 Building $148,285

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	16 (1994–2021)
Claims Outside the SFHA	9 of 16
Most Recent Claim	Nov 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

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